Tutorial: Credit card cracking explained — and how to prevent it

Credit card cracking, also known as card testing, is a type of fraud where perpetrators make small transactions to test various expiration dates and security codes until they find the correct combination for a credit card, leading to financial losses for merchants due to chargebacks and increased fees from payment processors. This practice, which involves purchasing credit card numbers from illicit sources and using automated bots, device/browser spoofing, and VPNs to evade detection, results in significant financial, operational, and reputational impacts on businesses. To combat credit card cracking, merchants can implement several detection and prevention strategies, including using payment processor tools like Stripe Radar, employing card authorization techniques such as 3D Secure, setting pre-authorization holds, monitoring transaction velocity, and leveraging device intelligence and fingerprinting technologies like Fingerprint. By employing a layered approach that combines tools from payment providers with advanced detection technologies, merchants can better protect themselves from the financial and reputational damages associated with credit card cracking.

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